If patients are counting on Medicare to pay for kidney tranpslant, and they have yet to qualify (because they haven't yet started dialysis, aren't disabled, are under 65), they may only apply after the tranpslant has occurred, and have coverage retroactively start the 1st of the month in which the transplant occurred.
It takes several weeks for the 2728 form to be processed, and for Medicare coverage to appear in the computer system.
The earliest patients can obtain coverage for a Medicare supplement is the first of the month AFTER the transplant occurred - and this is dependent on the 2728 being processed in a timely manner. They have 6 mo to choose a supplement.
Patients may wish to choose a Medicare supplement ahead of time and start the paperwork - but it will not be able to be sent in until after transplant.
The earliest patients can obtain Medicare D coverage is the first of the month AFTER the transplant occurred - adn this is dependent on the 2728 being processed in a timely manner. They have 3 mo to choose a Medicare D plan.
Therefore, patients need to be prepared to pay 20% copays for the month in which the tranpslant occurs at minimum (including MD fees & immuno copays).
Patients also need to be prepared to pay for other medications out of pocket for the month in which the transplant occurs at minimum.
If a patient wants to ensure that they have enough work credits to qualify for Medicare, they should obtain a copy of their Social Security Statement, either on line or via local office.